Earning 10,000 yuan a month is a big deal? Zhou's mother complained that state-owned enterprises are iron rice bowls, with monthly salary and stable. What about doing business? If you say it's bad, then it's bad!
You may be full of vigor and vitality now, but you may end up in disgrace in the future.
Thinking of this, she finally felt that she had the upper hand over the other party, and she felt a little relieved.
At this time, a distant relative asked tentatively, "Brother Chen, your business is getting bigger and bigger now, do you need help?"
"What do you mean?" Qian Yuchen was stunned.
The man said, "My wife suffered a little loss at work, and she was so angry that she had a big fight with someone. She happened to be pregnant, so she handed in her resignation and went home to rest for a while."
"Recently, her child turned 100 days old, and she started looking for a job again, but she hasn't found a suitable one yet."
"I thought, we are all relatives, and we won't cheat our own people. If I go to your place to help, wouldn't that be the best of both worlds?"
Qian Yuchen's expression changed.
In recent months, he has been working alone in the shop and it has become increasingly difficult for him to do so. If he had a few more people who know him well to help him, it would greatly ease his burden.
Thinking this way, he did not agree rashly, but only said, "If you are willing, you can come and work for two months first."
This means to try it out.
The relative was overjoyed, "Okay, I'll let her contact you in a few days."
Seeing that the two had reached an agreement, some people volunteered to help Qian Yuchen. It was not because of the money, but working for relatives was easier than working for outsiders. At least they didn't have to endure the bullying, right?
Qian Yuchen welcomed everyone who came, "Everyone is welcome to come and play."
As for whether to accept it or not, it depends on the performance.
As time went by, the atmosphere in the house became more and more heated.
Someone shouted, "Dinner is ready!"
The next second, Qian Yuchen was surrounded by everyone and walked towards the dining table together.
Seeing this, Zhou Chuhan secretly felt lucky - fortunately, other people didn't know that she had invested. If they knew, they would probably surround her like they surrounded Qian Yuchen, which would be unbearable.
**
The meal lasted for more than an hour, during which the relatives kept asking about the details of Qian Yuchen's entrepreneurship and were indifferent to other things.
Zhou Chuhan didn't want to join in the conversation, so after dinner, he made up an excuse to leave.
When I walked out the door and took a breath of fresh air, I heard someone say quietly, "Chu Han, I'm actually very grateful to you."
Zhou Chuhan, "?"
She turned around in confusion, only to see Qian Yuchen following her out.
"Why are they willing to let you out?" Zhou Chuhan asked half curiously and half jokingly.
Qian Yuchen's cheeks were slightly red, and he didn't say anything. I don't know if he didn't hear it or was drunk. He took out a cigarette from his trouser pocket and wanted to light it, but he accidentally saw his cousin's disgusted expression and immediately paused. Then he put the lighter back into his pocket and only held the cigarette with his index and middle fingers.
"I quit smoking a long time ago to save money. But I was very happy today, really happy, and I couldn't help it," he explained.
Zhou Chuhan was about to say that he didn't mind and just stood farther away, but he heard Qian Yuchen rambling on, "When I was young and ignorant, I thought as long as I had skills, I could make a living anywhere, and it didn't matter whether I was well educated or not. Later, when I entered the society, I found that it was not the case at all."
"No matter where I apply for a job, the boss will always ask 'what is your education level?' If they hear that I didn't finish high school, their attitude will change immediately. Even if they are willing to hire me, the salary will be 10% lower than others."
"You know what? I've worked in a restaurant for three years and I'm very experienced, but I don't earn as much as a freshly graduated college student! I feel like I'm living a dog's life!"
"Your mother always says that I am restless. No matter what, I have to find a job first. Once I save money, buy a house, and get married, life will be better. But how could she know that I have worked so many jobs and couldn't even find a job that paid social security!"
“I realized then that being an employee would always be looked down upon, and the only way out was to become my own boss!”
At the end of his speech, Qian Yuchen's voice choked with tears in his eyes.
Zhou Chuhan was silent.
Although she works in a state-owned enterprise, she is very familiar with the current job market situation.
Companies with the best benefits will pay five insurances and one fund (pension insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, and housing provident fund) to their regular employees every month.
Ordinary companies only pay five social insurances and do not pay housing provident fund.
Again, only three insurances (pension insurance, medical insurance, and unemployment insurance) are paid.
The worst ones don’t pay anything, just a monthly salary. The ones with a little conscience give a subsidy of 200-300 yuan a month, saying, “We are all young, so paying social security is useless. We can cash in the money we pay for social security, and it will benefit you, me, and everyone else.”
In fact, if you pay social security for employees, the monthly expenditure will be much more than that subsidy money.
If you are unlucky enough to be hired by the worst company and are really short of money, some people simply don't pay for the time being. Others think that they should pay for social security, and if the company doesn't pay, they will pay it themselves.
Zhou Chuhan thought to himself that if his cousin paid social security as a flexible employee (individuals can only pay for pension and medical care), he would have to spend an extra six or seven hundred yuan every month!
If he still smokes and rents a house outside, then there will be expenses everywhere.
Zhou Chuhan's mind was turning over a few times. At the same time, Qian Yuchen recovered and continued, "The monthly salary is pitifully small. It's like charity, or like sending away beggars."
"I started saving money several years ago, but my salary is too low. After deducting social security, cigarettes and living expenses, there is not much left."
"I thought about changing jobs, but I couldn't find good people and the bosses I met were all shady. I gave up and thought to myself, I might as well just find a place to work for two years, and then quit my job and start my own business when I saved enough money."
"Before calling you, I tried to borrow money from many people. They said I was too naive and thought that doing business was too easy. Even my father and mother refused to support me and kept persuading me not to do it."
"Only you said you believed in me and said I could do it..."
Qian Yuchen covered his face with one hand and cried silently.
"High education, high base salary, fast salary increase. Don't worry about why, the market is like this, it's unreasonable." Zhou Chuhan comforted, "Just think of it as paying for not studying hard all those years."
“Yeah.” Qian Yuchen laughed at himself. “If I had gone to high school and had a higher education, maybe I wouldn’t be doing so badly. It’s obvious that my skills are better, but my salary is always the lowest.”
"I'm not willing to give up. I want to stand out. Starting a business is the only way out I can think of!"
"Fortunately I had the courage to do it..."
Zhou Chuhan sighed, people are most afraid of narrowing their paths. This time I was lucky and made my business successful, but what if I didn't? If I lost all my savings and had to find a job again at my age, what future would I have?
**
On the sixth day of the first lunar month, Qian Yuchen couldn't sit idle at home, so he gave up resting and opened the business early.
Before, many relatives started to make a fuss and joked that they wanted to follow him, but in the end only one person came.
It was a young daughter-in-law who was responsible for weighing with electronic scales, packing cooked food, and occasionally helping out. Qian Yuchen observed her for a week and found that she was quick and hardworking, so he asked her to stay.
Within a few days, the new employees got the hang of things and Qian Yuchen's stress was reduced.
In the past, there was only one person, and he had to report to the store every day for 365 days. Now there is someone watching over the store, and he can occasionally walk around and do market research, and he can also rest for two or three days a month.
More than a month has passed in a flash.
At the beginning of April, he found that after deducting the failure costs and labor costs, he made a net profit of 25,200 in March! After splitting the profits 50-50, he and his cousin each took 12,600.
Qian Yuchen is ambitious: This is just the beginning, it will be better in the future!
**
In early April, a major event occurred in the state-owned enterprise where Zhou Chuhan worked.
"Based on the principle of voluntariness, the company raises funds from employees. The funds raised will be used for production and business activities for a period of three years with an interest rate of 10%. The interest will be paid annually, and the principal and interest will be repaid in the third year." After reading the announcement, the first thought that came to Zhou Chuhan's mind was - is this behavior legal?
"Don't worry." The old employee of the company was calm. "This is not the first time. Every five or six years, the company will raise funds from employees."
"The annualized interest rate is 10%, and the interest is paid annually. Such a good investment project is rare. In my opinion, maybe the company is deliberately seeking benefits for employees."
Zhou Chuhan asked, "It says it's voluntary, what will happen if I don't participate?"
"Not very good." The old employee told her, "There are many people who want to participate. They always complain that the individual quota is too low, but I have never seen a time when the funds were not fully raised."
Zhou Chuhan remained silent.
As soon as she got home that night, she didn't even bother to eat, she went into her room and shouted, "System!"
Yun Luo appeared in response.
"Is it reliable for state-owned enterprises to raise funds?" Zhou Chuhan repeated the question.
"It's a medium to low risk, so generally nothing will go wrong." Yun Luo replied, "It has not been publicly advertised to the public, and raising funds from specific individuals within the unit does not constitute illegal or disguised absorption of public deposits."
"Average?" Zhou Chuhan repeated these two words.
Yun Luo: "If state-owned enterprises are not doing well, have operational problems, and are heavily in debt, they may not be able to repay their debts."
Zhou Chuhan retorted, "The company pays wages on time every month, how can it be poorly managed?"
Yun Luo: "But I don't rule out this possibility."
Zhou Chuhan was quite speechless. After a while, he asked, "In other words, the probability of this happening is quite low, right?"
Yun Luo: “Yes.”
Zhou Chuhan was very curious, "In your eyes, what is certain?"
Yun Luo told the host, "No, buying a house may still cause an earthquake or be hit by a meteorite. Although the probability is small, it still exists."
Zhou Chuhan, "..."
She said expressionlessly, "There's no need to remind me of this kind of low-probability event in the future."
The man in the suit pursed his lips and replied muffledly, "Okay."
Zhou Chuhan thought about it and asked, "I currently have nearly 200,000 in savings. How much do you think I should invest?"
Yun Luo: "Host, please make your own decision based on your risk tolerance."
"Why are you making excuses again? Can't you just give a straight answer?" Zhou Chuhan was dissatisfied.
The system is good in every way, except that at critical moments, she is asked to make all the decisions on her own and no one gives her any advice.
The man in the suit tilted his head, looking puzzled. "I am a radical type, but you may not be. How can I help you make a decision?"
In Yun Luo's opinion, it is very strange that the host always asks others what to do when encountering problems.
"Didn't you say that life would be better with the system? Then you can help me get rich." Zhou Chuhan was annoyed. "Why do you push the problem to me every time when it comes to the critical moment?"
Yun Luo: "It is better to teach a man how to fish than to give him a fish. You need to learn investment skills and keep practicing and verifying them."
"According to research data, 80% of lottery winners return to poverty within two to three years of receiving their prizes. Because they become rich overnight, they don't know how to use the money properly."
"After listening to this, if the host still only wants to know the answer and does not want to learn the analysis process, I have no objection."
"I just can't understand why, when it comes to financial management, I want to be manipulated like a puppet, even though I am independent and strong in everything in life?"
"You don't understand the principle, and the risk doesn't match your tolerance. Do you really dare to do exactly what I say?"
The author has something to say:
Talk about something off topic
#I know some people think this article is boring and difficult to understand, and not as good as other articles#
#But it is practical! #
#I have said it many times, this article is about letting go of myself and giving back to readers#
#Seeing is earning#
#Fitness, saving, and learning financial management are all things that will help you in the future. Spending money is the happiest and easiest thing, but it will not help you in the future.#
#It doesn’t matter if someone doesn’t want to read it. As long as this article can help those who are willing to read it, it’s worth writing it#
The background of the second copy was many years ago. At that time, there was no takeout, no online shopping, rent was (relatively) cheap, business was particularly good, and those who went into business made a lot of money.
There was a time when college students were particularly valuable, but later, as the number of people increased, people began to look at schools and abilities. The situation is different in each period.
**
Author's Science
[In some areas, you can pay for your old-age care alone]
[In some areas, medical treatment can be paid alone]
[In some areas, medical care and pension are bundled and must be paid together]
[Some areas can pay extra fertility]
[Some areas can pay extra unemployment]
[The policies implemented in each place are different]
[A monthly payment of 600-700 yuan was the price several years ago. For pension and medical care, it would cost 1,000-2,000 yuan now]
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